KNF: You will be able to choose – retirement or a house – GazetaPrawna.pl

by Marek Chądzyński, Gregory Osiecki 24/03/2015, 7:32; Update: 3/24/2015, 8:17

How much time should be saved in order to collect the contribution of their own? Source: ShutterStock

KNF proposes to savings accumulated in the third pillar can be used as an own contribution with a mortgage.

Such an idea presented at a meeting with President Komorowski, chairman of the Financial Supervision Commission Polish lucky. – We consider the option of using the savings in the third pillar as a downpayment on the long-term borrowings, eg. Mortgage, increasing the credibility of the borrower. This could be done in the context of broader changes, eg. All the laws – admits in an interview with the DGP Maciej Krzysztoszek from the Office of Financial Supervision Authority.

If the idea passed, the new solution could potentially benefit 1.8 million people (at the assumption that one bill IKE IKZE or PPE is one of the insured).

Only IKE Poles gathered 4.7 billion zł. A PPE until zł 10.2 billion

According to the data collected by the Polish Financial Supervision Authority and the Ministry of Labour at the end of last year The Poles had 874 thousand. individual retirement accounts and 528 thousand. individual account pension systems. In addition, 381 thousand. people were covered by occupational pension schemes.

What lending could generate through their savings? Using funds from the IRA and IKZE and the assumption that they would be a 20-percent. own contribution, in theory, can be given credit for 25 billion zł – IKZE because at the end of 2014. insured gathered 295.3 million zł, while the IRA over 4.7 billion zł. If the program yet PPE (zł 10.2 billion of assets), this amount would increase to 75 billion zł. For comparison, at the end of February this year, housing loans granted by banks were worth 363.8 billion zł.

The intention of the KNF is primarily to increase the attractiveness voluntary additional saving for retirement. Today, this form does not enjoy too much success. The number of new IKE declining for several years. – It’s about adding value to your retirement savings in the third pillar, and to encourage self-depositing funds. Currently, the third pillar measures can be used only after a certain age, which many people seem distant – notes Krzysztoszek.

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